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What is the Most important Date "Date of last activity" or "Date Reported" from a score perspective?

What is the Most important Date "Date of last activity" or "Date Reported" from a score perspective?

The Debate in My office is raging please let me know your thoughts.  Edited


Edited to remove a blog link - llecs, myFICO moderator


Starting Score: 788
Current Score: 788
Goal Score: 850


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Epic Contributor

Re: What is the Most important Date "Date of last activity" or "Date Reported" f

Message 2 of 5

Re: What is the Most important Date "Date of last activity" or "Date Reported" f

What date is used when dating the trade line for scoring purposes.  So what date determines the age of the account positive or negative.


Starting Score: 788
Current Score: 788
Goal Score: 850


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Message 3 of 5
Epic Contributor

Re: What is the Most important Date "Date of last activity" or "Date Reported" f

Message 4 of 5

Re: What is the Most important Date "Date of last activity" or "Date Reported" f

Thank you but I am not looking for the age of the account I am looking at the freshness of the account how recent was the account  and what date the Pico score looks at for scoring more "Date of last activity" or "Date Reported"


Starting Score: 788
Current Score: 788
Goal Score: 850


Take the FICO Fitness Challenge
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